Cheapest Car Insurance Quotes in San Jose

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San Jose Car Insurance

^$ 26

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in San Jose

The car insurance rate in San Jose is $1115 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $642, making it a popular choice for budget-conscious drivers. Rates in San Jose can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in San Jose

$1115

Avg. Car Insurance in California

$1115

National Average

$1140

Cheapest Car Insurance Companies in San Jose

1st place: CSAA

At $642 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $861 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA SoCal

AAA SoCal offers auto insurance rates at $944 for six months, making it the third cheapest auto insurance company in San Jose.

San Jose Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in San Jose, CA is CSAA, offering policies at just $642 for a six-month term. This is followed by Mercury, which has an average six-month premium of $861.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1372 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help San Jose drivers find the best deals.

Cheap Car Insurance Companies in San Jose, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$642	$108
Mercury	$861	$145
AAA SoCal	$944	$157
Progressive	$992	$167
USAA	$1051	$177
Allstate	$1087	$183
Wawanesa	$1093	$184
AAA NorCal	$1105	$188
Auto Club	$1140	$190
State Farm	$1206	$203
Kemper	$1420	$237
Farmers	$1586	$270
AAA	$1372	$229

Key Takeaways

Way's key takeaways about car insurance in San Jose

The auto insurance costs in San Jose fall around $642 for six months.
The cheapest auto insurance company in San Jose is CSAA.
Teen drivers pay the highest rate in San Jose at $583 per month.

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Cheapest Minimum Liability Car Insurance in San Jose

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in San Jose are given below.

CSAA provides the cheapest minimum car insurance coverage in San Jose. Their Average 6 Month Premium is $154. Farmers is the most expensive at $505 for the same period.

Cheapest Liability Coverage in San Jose, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$154	$26
USAA	$285	$48
AAA NorCal	$297	$50
AAA SoCal	$339	$58
Progressive	$345	$58
Auto Club	$350	$60
State Farm	$362	$61
Wawanesa	$368	$62
Mercury	$392	$66
AAA	$422	$72
Allstate	$422	$71
Farmers	$505	$86

Cheapest Full Coverage Car Insurance in San Jose

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in San Jose is CSAA at $108 per month and $642 for six months.

Cheapest Full Coverage Car Insurance Quotes in San Jose, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$642	$108
Mercury	$861	$145
AAA SoCal	$944	$157
Progressive	$992	$167
USAA	$1051	$177
Allstate	$1087	$183
Wawanesa	$1093	$184
AAA NorCal	$1105	$188
Auto Club	$1140	$190
State Farm	$1206	$203
Kemper	$1420	$237
Farmers	$1586	$270
AAA	$1372	$229

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Average Car Insurance in San Jose by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in San Jose, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in San Jose, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, San Jose's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in San Jose

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$585
30s	Wawanesa	$472
40s	Wawanesa	$472
50s	Wawanesa	$472
60s	Wawanesa	$472
70s	Wawanesa	$462

Cheapest Car Insurance Rates for Teen Drivers in San Jose,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the San Jose at $69 per month. At $3499 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$416	$69
Capital Insurance Group	$523	$89
USAA	$1247	$210
Mercury	$1265	$213
Wawanesa	$1390	$232
Progressive	$1455	$245
CSAA	$1752	$295
State Farm	$2079	$350
AAA SoCal	$2251	$375
Allstate	$2412	$406
Auto Club	$2572	$429
AAA NorCal	$3427	$583
Farmers	$3499	$583

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in San Jose.

As young drivers face the highest rates in San Jose, Wawanesa offers the cheapest auto insurance rates at $585 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in San Jose.

Car Insurance Rates with An Accident in San Jose

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In San Jose, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in San Jose

The cheapest car insurance companies after an at-fault accident in San Jose include AAA and Capital Insurance Group, offering $374 and $546, respectively. Allstate is an expensive provider with an average six-month premium of $2691.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$374	$62
Capital Insurance Group	$546	$93
CSAA	$731	$123
Mercury	$1057	$178
USAA	$1093	$184
Progressive	$1265	$213
Wawanesa	$1544	$257
AAA SoCal	$1622	$276
Auto Club	$1711	$285
Farmers	$1758	$296
State Farm	$2091	$352
AAA NorCal	$2239	$381
Allstate	$2691	$453

San Jose Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in San Jose CA. For example, the car insurance in San Jose after a DUI increases to $1740 for a six month policy. While the rate increases by $457 for a six-month policy in the case of a speeding ticket.

San Jose auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1087	$181
Not-at-fault accident	$1087	$185
One comp claim	$1087	$181
One Med/PIP claim	$1087	$185
Two comp claims	$1087	$181
Two Med/PIP claims	$1087	$185
At-fault accident - less than $1000	$1111	$185
Failure to show documents	$1432	$243
Driving with expired registration	$1461	$244
Driving without lights	$1461	$248
Failure to wear a seat belt	$1467	$245
Child safety restraint	$1479	$251
Speeding 11 - 15 MPH over limit	$1538	$256
Speeding 16 - 20 MPH over limit	$1538	$262
Driving too slowly	$1544	$257
Failure to stop at a red light	$1544	$263
Failure to yield	$1544	$257
Following too closely	$1544	$263
Illegal turn	$1544	$257
In 65 MPH zone	$1544	$263
Speeding 21 - 25 MPH over limit	$1544	$257
Speeding 6 - 10 MPH over limit	$1544	$263
Speeding in school zone	$1544	$257
Improper passing	$1550	$264
Cell phone violation	$1556	$259
Texting while driving	$1556	$265
Passing school bus	$1574	$262
Wrong way/wrong lane	$1841	$313
Operating a vehicle without permission	$1883	$314
At-fault accident - $1000-$2000	$1895	$322
At-fault accident - greater than $2000	$1895	$316
Open container	$1901	$323
Driving with a suspended license	$2204	$367
Reckless driving	$2685	$457
Racing	$2715	$452
Leaving scene of an accident/hit and run	$2726	$464
DUI	$2827	$471
Refusal to submit to a chemical test	$2827	$481

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in San Jose after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in San Jose.

The cheapest car insurance premiums in San Jose are offered by Capital Insurance Group at $814 for a six-month policy. However, it can be as expensive as $748 with companies like AAA.

San Jose car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$814	$138
Mercury	$968	$163
Travelers	$1129	$192
Progressive	$1432	$241
Wawanesa	$1740	$296
Farmers	$1847	$311
USAA	$1966	$331
CSAA	$2079	$350
AAA SoCal	$3006	$511
Auto Club	$3439	$573
AAA NorCal	$3962	$674
State Farm	$4229	$712
Allstate	$4354	$733
AAA	$748	$127

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in San Jose are offered by CSAA at $95. However, it can be as expensive as $2245 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in San Jose after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$95	$16
Capital Insurance Group	$523	$89
Mercury	$891	$150
USAA	$933	$159
Progressive	$1004	$169
AAA NorCal	$1390	$236
AAA SoCal	$1491	$248
Allstate	$1533	$261
State Farm	$1622	$270
Farmers	$2245	$382

Car Insurance Price Trends in San Jose, California

Car insurance rates in San Jose have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the San Jose remained steady at $192 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the San Jose rose to $55 in January, compared to $54 in December. This represents an increase of $1 when comparing January and December.

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Head of Commercial Insurance

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Average Car Insurance Cost in San Jose by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the San Jose. At $1148 for a six-month policy, insuring your car at 95118 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
95118	$1148	$192
95119	$1115	$187
95136	$1159	$194
95116	$1170	$196
95138	$1126	$188
95139	$1115	$187
95117	$1137	$190
95132	$1148	$192
95110	$1126	$188
95133	$1137	$190
95111	$1170	$196
95134	$1137	$190
95112	$1170	$196
95135	$1137	$190
95113	$1115	$187
95130	$1126	$188
95131	$1137	$190
95129	$1148	$192
95125	$1170	$196
95126	$1148	$192
95148	$1159	$194
95127	$1181	$198
95128	$1148	$192
95121	$1148	$192
95122	$1170	$196
95123	$1181	$198
95124	$1159	$194
95120	$1148	$192

Frequently Asked Questions

How much is car insurance in San Jose?

The car insurance in San Jose is $26 per month, which is lower than the national average.

What is the cheapest car insurance in San Jose?

The cheapest car insurance in San Jose is $108 per month for full coverage.

How much is car insurance in San Jose for teenagers?

Car insurance for teenagers costs $416 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in San Jose?

The average cost of car insurance is $1115 for a six-month policy. It will cost around $187 per month to insure your car in San Jose.

Is car insurance expensive in San Jose?

Car insurance can be expensive in San Jose if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in San Jose can be affordable.

Cheapest Car Insurance Quotes in San Jose

Why you can trust Way?

How Much Is Car Insurance in San Jose

Avg. Car Insurance in San Jose

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in San Jose

1st place: CSAA

2nd place: Mercury

3rd place: AAA SoCal

San Jose Car Insurance Rates by Company

Cheap Car Insurance Companies in San Jose, CA

Way's key takeaways about car insurance in San Jose

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in San Jose

Cheapest Liability Coverage in San Jose, CA

Cheapest Full Coverage Car Insurance in San Jose

Cheapest Full Coverage Car Insurance Quotes in San Jose, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in San Jose by Rating Factor

I have a clean driving record. Why is my car insurance rate here in San Jose, CA increasing?

Car Insurance Premiums by Age in San Jose

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in San Jose,CA

If you are in your twenties Wawanesa is the best choice for car insurance in San Jose.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in San Jose

Cheapest Car Insurance Companies after an At-Fault Accident in San Jose

San Jose Car Insurance Rates by Violation

San Jose auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in San Jose after a DUI

San Jose car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in San Jose after Speeding ticket

Car Insurance Price Trends in San Jose, California

Average Car Insurance Cost in San Jose by ZIP Code

Frequently Asked Questions

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